Universal Life Insurance

This coverage gives you the freedom to change your premium and benefit
amounts any time to meet your needs. Like whole life, universal life can last
through retirement. In addition, your policy can gain value over time — which
you may borrow against or apply toward a smaller life policy later. Other
benefits include guaranteed coverage, family options, additional payments for
covered accident-related claims, and early payouts for terminal illness.

Life coverage that adjusts to your life

Jane and Frank have big plans for the future. Frank is starting a
business, so Jane's life insurance needs to work harder to meet
her family's needs. Jane chose universal life insurance, because
she can count on this coverage through retirement. In addition,
she likes that she can adjust the premium and benefit amounts
as their financial needs change.

How Jane's plan works:

This coverage provides real flexibility for Jane and Frank now and in the future. Benefits include:

Flexibility to change her premium and benefit amounts

A guaranteed interest rate

The ability to borrow against the cash value

The option to use the cash value for a paid-in-full,
smaller policy later in life

If Jane has a plan with a "living" benefit:
She would receive up to 100% of her benefit amount if she is diagnosed with a terminal illness*

If Jane dies, Frank can use the money for:

Final expenses

Kids’ college tuition

Office space costs

Utility bills

* For illustrative purposes only. Coverage plans may vary.

The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability.